Sunday, January 18, 2015
White Collar Scams... Halsted Financial Services
If they call...they won't give you that name actually, so you won't know it's them. You have to request that name very specifically and they must answer (lest you know they are a complete joke and hang up I assume). They will just ask for the last four digits of your (or spouses) social like they already have it and then wait for you to respond. We've been getting automated calls from these people for the last month but the calls came to my phone asking for Luke. It said if it wasn't Luke on the phone to hang up, so I did. Then finally Luke was home and I passed the phone off to him. They asked for the last four numbers of his social "to verify his identity" and he asked for more specifics before handing over that information. They dogged the question. Luke finally got fed up, said not to call again and hung up. They called the next day anyway. I hit "0" to talk to a human because I was mad they called again after being told not to. I was treated so disrespectfully and rudely that I got really huffy. basically they try to make you so mad and flustered, questioning if you really are who you say you are, hoping that somehow you'll feel the need to defend your identity enough that you fork over the info they need. The voices of the reps are sneering, obnoxious and accusing. I got the guys name and asked to speak with a manager. He said he would have a manager call me later.
"NO! I don't want you ever to call this number again, let me talk to your manager." I was getting very rude back at this point. He transferred the call. The manager was like the "nice cop" or the "good guy"in a sales deal. Basically, we needed to give him the last four numbers of Luke's social so he could help me settle some debts we owed...or we would be in worse trouble. I said we didn't have any unsettled debts...to which he sarcastically replied "Then I guess you have nothing to worry about then...if you are so sure." Arg....I wanted to scream. I didn't know a human could make me feel so uncomfortable and angry in 5 minutes time. Finally he gives the ultimatum "We've been talking for ten minutes about nothing (we hadn't) are you or are you not going to verify your identity?"
I said "I'm not".
He gets the last word in "Well, it looks like we'll be calling you again." and he hung up.
So the reason this is all SO very annoying is that this company is not completely illegal (or at least I don't think so...enough people have had problems that I would think they would be shut down if illegal-not 100% sure though) and they have a nice formal looking website (that makes making payments very simple of course). They get your info (the info I and Luke were thankfully hesitant to give), look up old debts you may have that have been legally closed/settled out because it's been so long (I think it's 6-7 year) and try to collect on them. You have to file a cease and desist order to make them stop calling you or send a letter to their address by snail mail (listed below if needed). It's CRAZY! I just blocked the number on my cell and hope it ends there, but had we given them the social number, they may have been able to track down a work number for Luke somehow and they will call you at work...and call you again based on BBB reviews I read (not that they are BBB accredited, but people have posted nearly 160 complaints there anyway). Relentless.
I'm posting about it because they are so good at what they do. I even knew Luke thought it was a scam from the conversation he had with them the day before, but was still tempted to give them the number so they would give me the debt info we possibly owed. I was concerned about identity theft maybe... I don't know...they sort of talk you into a corner. So I thought it was worth the heads up. Hold your ground. They probably don't have any of that information they claim to until you hand over your identity. If you don't have unsettled debts, tell them so and hang up, they've got nothing on you.
copy paste from this site:
Posted by L, Ann and boys at 3:30 PM